The Cincinnatus Savings and Loan Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Cincinnatus Savings and Loan Company of Cheviot, OH against its peer group of 2603 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.99% | 1.25% | -0.26% | 21st bottom |
| ROAE | 6.58% | 13.21% | -6.63% | 10th bottom |
| Net Interest Margin | 3.37% | 3.95% | -0.58% | 18th bottom |
| Efficiency Ratio | 62.78% | 61.29% | +1.49% | 30th below |
| PPNR / Avg Assets | 1.30% | — | — | 21st bottom |
| Yield on Earning Assets | 5.33% | 5.68% | -0.35% | 39th below |
| Cost of Funds | 2.26% | 1.88% | +0.38% | 18th bottom |
| Net Interest Spread | 2.87% | — | — | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.21% | 0.93% | -0.72% | 63rd above |
| NPA / Total Assets | 0.14% | — | — | 65th above |
| NCO / Avg Loans | -0.02% | 0.16% | -0.18% | 88th top |
| ACL / Total Loans | 1.04% | — | — | 25th below |
| ACL / NPLs (Coverage) | 492.28% | — | — | 67th above |
| Texas Ratio | 0.93% | 7.37% | -6.44% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.83% | 11.73% | +4.10% | 90th top |
| Equity / Assets | 14.83% | 10.97% | +3.86% | 90th top |
| TCE / Tangible Assets | 14.75% | — | — | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Ahead of the peer average, behind the median peer. | 80.40% | 80.71% | -0.31% | 37th below |
| Core Deposit Ratio | 84.11% | 86.89% | -2.78% | 21st bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.04% | — | — | 67th above |
| Loan Growth (Y/Y) | 2.69% | — | — | 29th below |
| Deposit Growth (Y/Y) | 8.10% | — | — | 79th top |
See The Cincinnatus Savings and Loan Company's peers by name
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Unlock The Cincinnatus Savings and Loan Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Cincinnatus Savings and Loan Company profile, how to read a UBPR, or how this data updates.